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    • Received initial reply to CCA requests from Lowell in relation to the Cap One £4k and Argos Card.  Both are identical with exception of account information.   Do I now get my partner to stop the payment arrangement? 20201202-CCA Reply CAG.pdf
    • I’ve just got the same letter today with a £25 cheque. Apparently the quality of service I received did not meet standards 🤷‍♀️ I’ve not had a HSBC bank for over 20 years!
    • For a number of years a girl has been evading rail fares and giving my name and address also my daughter’s name and address and my husband’s name and address changing his name from Eric to Erica. We have contacted the police before who said there Was nothing they could do. This has happened about eight times with different rail companies each time it involves making a number of calls sometimes having to reason with debt collection agency.  When letters started arriving again with my surname wrongly spelt I returned them with not known at this address. However I then received a letter from the Bailiff with my correct spelling of the name and now also correct date of birth (previously they had the wrong date of birth) and i now know that this has gone to a court and I was found guilty even though it was not me who made the train journey. I have had to apply to the court for the case to be reopened, and I can prove that at the time I was at the opposite end of the country. The date of birth given by the offender was 25 years younger than mine so she’s obviously a younger girl. However I am worried that this will affect my DBS. I work as a carer on minimum wage and cannot afford to lose my job. Apart from which the stress and anxiety this causes every time is immense. I often have to make phone calls using higher than normal cost  0300 numbers to try to resolve this.  Surely the train company Arriva north should have some responsibility for confirming the identity of a person invading a rail fare. It seems that you can just give any name taken from the electoral roll without having to show ID. Would I have a case against arriva for putting me in this situation? It’s also confounds me that when the matter goes to court they then check on a database for the correct spelling of my name and the correct date of birth, and so the first thing that was sent to me with my correct details was the fine from the court. Previous to that there were letters in effect addressed to a different person with a wrong spelling of my surname.I know it is illegal to open letters belonging to another person. Although I suppose I could reasonably expect it might of been for me because the name was out by one letter. I certainly don’t want to pay the £250 fine. This is been going on for some five years.  My daughter has a whole file of letters.  Sometimes train companies have responded by adding a password so that when the person gets stopped they have to give a secret word. But the offender is doing this all around the country and there are many different rail companies involved. However this is the first time I believe it has gone to court
    • Hi Guys.    In 2016 I had a PDL with The Money Shop.   Due to financial difficulty I stopped paying it in January 2017.   Recently out of the blue I started receiving emails from CRS about the debt. They were duly ignored.   Within them was an email about sending me a Letter Before Claim (they didn't) as well as a couple of repeated emails about the implications of a CCJ. They have my address and I haven't moved since the debt was accrued.    A couple of days ago I received a letter from AJJB Law being very disappointed in me for not replying to CRS and telling me that their client is entitled to possibly pursue proceeding without further action.   Usually I would send an IRL claim to InstantCashLoans, but with them in the hands of Administrators that is no longer possible.   Also worth noting that on my credit file the debt is marked as owned by ICL - Trading as TheMoneyShop. This has been marked as 'Delinquent' every month since Jan 2017. There is no default registered.   So, whilst I am kind of sure that I'm still safely in the 'ignore these chancers' category, I was wondering if anyone had any advice on if I should perhaps tackle this in a different way?   Also, if the debt on my credit file is just marked as delinquent when will it fall off, if ever? 
    • These letters relate to very historic  collection/recovery "service failures" concerning current accounts, credit cards and loans   I have not had an account or debt with HSBC since 2008 My gut feeling is that it maybe connected to the use of their fake inhouse  collectors  Payment Sevices (PSB), Metropolitan and DG Solicitory but I will know more when they reply to my letter demanding details
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new company taken over my debt


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can you please tell me where i can find the template, that you send when another compant takes over a debt.

thank you

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Hi rightfully,

 

What do you mean by template for when someone else takes over your debt?

 

Do you mean to CCA them or ask them why? Sorry could you clarify please?

 

Thanks,

 

Penfold

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sorry im not too clear on what to do myself..

yes i think it is the CCA, thats when a different company take over a debt from another. we have never heard of Thames Credit Ltd before, and dont know where this debt has come from.

Thank you for trying to help.

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sorry im not too clear on what to do myself..

yes i think it is the CCA, thats when a different company take over a debt from another. we have never heard of Thames Credit Ltd before, and dont know where this debt has come from.

Thank you for trying to help.

 

Hi no worries always try to help where I can. Is this what you are looking for:

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

I think Letter N... Just shout if I can help anymore,

 

Penfold

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Thank You Penfold, thats just what i needed. :D

you're a star

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Thank You Penfold, thats just what i needed. :D

you're a star

 

No problems, but feel free to click the scales...

 

Penfold

Penfold

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Due to recent issues I have had....

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  • 3 weeks later...

Hi wrote the letter and sent it recorded delivery on the 15th jan, got a reply from them dated 24th jan..

 

it says:

 

Dear Sirs

 

Agreement No #######

 

We refer to previous correspondence.

 

You requested documents citing the Consumer Credit Act 1974. We have now recieved a copy of the agreement.

 

Please contact this office on the telephone number above to discuss this matter further.

 

Yours faithfully

 

-------------------------------------------------------

 

So my question is what should I do now? and were they not supposed to send me the details within a certain time?

 

Thanking You for your help.

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be gratefull for your advice

Thank You For Helping Me, I Really Appreciate It. Rest Assured I Will Click On Your Scales

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So I just wait until the 12 days are up ! then what do I do?

 

thanks for your help :-)

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Get wots 'rightfully yours' the CAG way: friendly & approachable - tried & tested - step by step - Great Results!

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Any advice is given in my opinion only, i have no legal knowledge whatsoever, only knowledge & experience gained from CAG.

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You are not required to do anything or pay anything if they do not supply an enforceable CCA.

 

You can also cancel payments to who you were paying the debt to prior to thames requesting payment.

 

If anything turns up in the mail scan and post it on here.

 

You will almost certainly be sent some unpleasant letters don't worry about them just let us know what has been sent.

 

Never ever speak to them on the phone.

 

Cheers

 

Cas

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Hi Rightfully,

 

They must supply the agreement as part of the request, just keep us posted...

 

Penfold

Penfold

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Due to recent issues I have had....

All posts written by me and involving my opinions and written without any legal knowledge are....

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Thank you so much for your help and reassurance guys,

 

as yet have not heard a thing, I never talk to anyone on the phone always say they got wrong number to anyone thats not family or friends.

 

Im not sure what its for..

 

I will keep you posted,

 

Thanks much appreciated. :grin:

Thank You For Helping Me, I Really Appreciate It. Rest Assured I Will Click On Your Scales

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If I have been of any help to you, please add to my reputation points by clicking the middle icon, at the bottom left. Thank You

 

Get wots 'rightfully yours' the CAG way: friendly & approachable - tried & tested - step by step - Great Results!

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  • 1 month later...

Hi Guys

Thought I would keep you posted as promised, I have now recieved a letter as follows:

Our ref:*******

Creditor: Equidebt Ltd (Formerly Barclay Card)

 

I confirm reciept of your letter dated 22nd Feb 08 and the enclosed payment of £1. A request has been placed with our client for a copy of the Consumer Credit Act document and the account has been placed on hold until this matter has been resolved and no further collection activity will occur.

If in the meantime you need to contact us about any aspect of this matter please call the following freephone number 08005872756 or write to us at the following address:

Compliance Department

ECI

Wquity House

Ettington Road

Wellesbourne

Warwickshire

CV35 9GA

yours sincerely

Kevin Kennedy

Senior Advisor

Compliance Department

ECI

 

********************************************

So please send me your thoughts on this..

thanks

Thank You For Helping Me, I Really Appreciate It. Rest Assured I Will Click On Your Scales

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Get wots 'rightfully yours' the CAG way: friendly & approachable - tried & tested - step by step - Great Results!

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bump

Thank You For Helping Me, I Really Appreciate It. Rest Assured I Will Click On Your Scales

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Get wots 'rightfully yours' the CAG way: friendly & approachable - tried & tested - step by step - Great Results!

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standard letter...do not call them wait and see what they produce mate,

 

Penfold

Penfold

(feel free to click the scales on the left if I said something that helps)

Due to recent issues I have had....

All posts written by me and involving my opinions and written without any legal knowledge are....

Without Prejudice

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Thanks Penfold Once Again :)

Thank You For Helping Me, I Really Appreciate It. Rest Assured I Will Click On Your Scales

:)

If I have been of any help to you, please add to my reputation points by clicking the middle icon, at the bottom left. Thank You

 

Get wots 'rightfully yours' the CAG way: friendly & approachable - tried & tested - step by step - Great Results!

My Final Word,

Any advice is given in my opinion only, i have no legal knowledge whatsoever, only knowledge & experience gained from CAG.

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